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3174 Sawgrass St, Panama City, FL 32409 — $334,900 · 5bd · ~0.9% rule | OnePercent

3174 Sawgrass St, Panama City, FL 32409

$334,900

Overview Financials Comps Location Analysis Calculator Nearby Risk Neighborhood Market

Home·Panama City 32409·3174 Sawgrass St, Panama City, FL 32409

Confirmed 1 day ago

3174 Sawgrass St, Panama City, FL 32409

5 bd · 3 ba · 2,107 sqft · Panama City · SINGLE_FAMILY·source listing ↗

$334,900

rent, three ways

OnePercent model (vv1)$3,073/mo

p10–p90 confidence band

HUD Fair Market Rent · 32409 · 5BR—

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

the locale

County

Bay

Flood risk indexRelatively High FEMA NRI

Median household income$64,516

Median area rent$1,409/mo

Median home value$275,700

the verdict

0.92%vs 1.0% target

Modeled rent: $3,073/morent estimate
Property tax: —listing
Insurance: $4,201/yrstate avg
HOA: —listing

Cap rate: 6.9%
Cash flow: +$238/mo
Cash-on-cash: 3.7%

financing: 20% down · — (FRED, live) · 30yr

$334,900

0.92% · rent $3,073

Intrinsic value · income approach

$431,730

22% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.

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